Tonia Financial & Insurance

Meet Tonia Perry – Your Trusted Advisor

Hi, I’m Tonia Perry, a licensed insurance advisor and the owner of Tonia Financial and Insurance LLC. I help families, seniors, and individuals explore insurance options that provide peace of mind—like final expense coverage, life insurance, and Medicare plans.

I’m not here to pressure anyone into buying something they don’t need. Honestly, I’m not even sure if I can help every person I talk to, and I don't have all the answers—but I always start by listening.

With over 15 years of experience in healthcare and pharmacy, I’ve seen firsthand how hard it can be when families are left unprepared. That’s why I shifted into this role: to be the kind of advisor I wish more people had.

Whether you’re looking to make sure your family isn’t left with financial stress, trying to understand your Medicare choices, or just want to know what’s out there—I’m here to walk you through it with honesty and empathy.

No pressure. No gimmicks. Just honest guidance and support.

I’m based in Cleveland, Ohio, and licensed in Ohio and Pennsylvania. I meet clients virtually or in person at coffee shops and libraries—wherever you’re most comfortable. I also offer free consultations with no obligation to buy, and I give every client a free end-of-life planning book just for sitting down to chat.

Let’s see if I can help.

Website: ToniaInsurance.com
Text or call: 216-800-7303 (TTY 771)
Email: Strive.Tonia@gmail.com

Mission:

At Tonia Financial & Insurance LLC, my mission is to make insurance understandable, accessible, and compassionate. I offer free consultations, educational resources, and community events to help you make informed decisions. Whether you're turning 65, planning ahead for your loved ones, or looking to insure your children, I’m here to help you every step of the way.

Services

“Life Insurance, Medicare, and Final Expense Help in Ohio & Pennsylvania”
Local, licensed advice to help seniors, caregivers, and families choose the right insurance plan.

Medicare Advantage and Supplement

1. Personalized Plan Comparisons

I help you compare Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans side by side, so you can understand what’s covered—and what’s not—based on your doctors, prescriptions, and budget.

2. Local Support for Ohio & Pennsylvania

As a licensed independent agent in Ohio and Pennsylvania, I guide you through plans offered in your specific county, including top options available in your zip code.

3. Annual Check-Ins & Year-Round Help

Medicare needs can change over time. I offer free annual reviews and am available year-round to help with billing issues, new plan questions, or changes in your healthcare needs.

4. Advocacy You Can Trust

I work for you, not the insurance companies. I’ll walk you through enrollment, explain your rights, and help with appeals or issues if they arise—always with your best interest in mind.

Life Insurance – Protect Your Loved Ones

1. Family Protection That Lasts

Whether you're raising kids, supporting aging parents, or planning for the unexpected, life insurance can provide peace of mind and financial protection for the people you love most.

2. Plans for Every Stage of Life

I offer affordable whole life and term life insurance options for parents, seniors, and young adults—customized to fit your goals, budget, and health needs.

3. Legacy Planning & Final Expenses

From covering funeral costs to leaving a gift for your children, I’ll help you choose a policy that makes things easier—not harder—when the time comes.

4. Honest Advice, No Pressure

I’ll explain everything in plain language and help you compare options. My goal is to find the plan that works best for you—even if it’s not one I carry.

Service Area

Ohio and Pennsylvania

The Financial Freedom Revolution: Classes and Coaching

Servicing the USA

ACA Health Insurance (Marketplace Plans)

Other Coverage Options

1. Coverage That Fits Your Needs

I’ll help you compare plans, understand metal tiers, and pick the best fit.

2. Keep Your Doctors & Medications

We’ll check which plans cover your preferred doctors and prescriptions.

3. Help with Enrollment & Beyond

I’ll walk you through sign-up and support you year-round if anything CHANGES.

4. Lower Your Monthly Cost

Most people qualify for tax credits that reduce premiums—some pay $0/month.

• Vision & Dental Plans

Routine care isn’t always covered by major health plans. I offer options to help with cleanings, glasses, root canals, and more.

• Hospital Indemnity Insurance

Pays cash directly to you for each day you're in the hospital—can be used for bills, transportation, or anything you need during recovery.

• Accidental Injury Plans

Get paid for covered accidents like falls, burns, or broken bones. Great for families with kids or active lifestyles.

• Short-Term Care Insurance

Helps cover recovery costs after a hospital stay or surgery, especially if you're not yet eligible for long-term care insurance.

• Critical Illness Insurance

Lump-sum cash payout if you're diagnosed with cancer, stroke, or heart attack—so you can focus on healing, not bills.

★★★★★